Banking Operations Analyst

* Perform in‑depth reviews of credit applications for SME / Corporate customers. * Evaluate financial models, financial statements, borrower profiles, cash-flow summaries, borrower repayment capacity. * Validate internal credit ratings, risk grades, and credit structures for accuracy. * Conduct comprehensive reviews of loan accounts to assess account conduct, repayment trends, and compliance with sanctioned terms. * Analyze utilization patterns, covenant compliance, documentation completeness, and collateral sufficiency. * Support internal audit, regulatory inspections, remediation actions, and quality assurance exercises. * Prepare and maintain high‑quality credit review documentation that meets regulatory standards and Standard operating procedure. * Support periodic portfolio reviews and Onshore Relationship Manager in assessing creditworthiness using internal rating models and risk scoring tools. * Review and keep up to date, and fully abide by the process operational and administrative procedures and ensure process compliance * Review adherence to internal credit policies and underwriting standards. * Recommend improvements to credit frameworks, rating methodologies, and control processes. * Assist in developing checklists, review templates, and workflow enhancements. * Guide junior analysts in performing credit review analysis. * Allocate workloads, ensure timely completion of reviews, and maintain high-quality execution. * Conduct performance reviews, identify skill gaps, and build capability within the team. * Leads team in the achievement of project milestones and team goals * To oversee the day-to-day activities of a group of employees * Coaches, motivates and guides team members * Utilizes best practice processes around work assignments, Project management and quality of output while maximizing overall team’s performance * To improve efficiency, quality and services of ongoing projects/processes * Significant portion of time still spent on performing work of the team * Regularly review the work of team members * Identifies opportunities for improvement; recommends possible training opportunities * Ensures team is meeting or exceeding contractual and service level obligations to customers * Collects customer’s needs and translates to appropriate solutions * Interacts with customers and internal departments to resolve issues * Ensures accurate and timely processing of transactions to meet and exceed customer SLA * Acting as the Subject Matter Expert for the team * Conducting & leading the training programs based on business needs * Attending team meetings and customer calls to gather feedback and updates